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                       <h1 class="refund_h1">Website Terms and Conditions</h1>
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                       <h2 class="refund_h2">Use of our websites</h2>
                       <p>Please read the following Website Terms and Conditions, which relate to information regarding general use of our websites. By using our websites, you are agreeing to these Terms and Conditions whether as a guest, registered user or subscriber. By using our sites you are indicating you accept these terms of use and that you agree to abide by them. From time to time we may change these Terms and Conditions, and will post revisions on this website. We recommend that you read these Terms and Conditions prior to using our sites and thereafter regularly review any changes and you are responsible for doing so.</p>
                       <p>If you have purchased a licence, subscription or otherwise entered into an agreement with us (for example as a Subscriber) you will also be governed by the terms of that agreement, which shall prevail in the event of a conflict. Online purchases have additional terms and conditions relating to the transaction as indicated on the relevant website.</p>
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                       <h2 class="refund_h2">Privacy</h2>
                       <p>Use of the data that you provide us, or which is collected by use on our websites, is governed by our Privacy Policy. By using our site(s) you consent to such 0processing.</p>
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                       <h2 class="refund_h2">Access to Cognisess websites</h2>
                       <p>We try to ensure that website availability is uninterrupted and that transmissions will be error-free. However, we cannot, guarantee that your access will not be suspended or restricted from time to time, including to allow for repairs, maintenance or the introduction of new facilities or services. We of course try to limit the frequency and duration of any suspension or restriction.</p>
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                       <h2 class="refund_h2">Accounts and passwords</h2>
                       <p>If you have registered or subscribed to a Cognisess website, any user identification code or password must be kept confidential and used only by you (unless agreed in writing with the Cognisess). We have the right to disable any user identification code or password whether chosen by you or allocated by us at any time if in our option you have failed to comply with any of the provisions of these terms of use.</p>
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                       <h2 class="refund_h2">Intellectual property rights</h2>
                       <p>The content, layout, design, data, databases and graphics on this website are protected by UK and other international intellectual property laws and are owned by the Cognisess or its licensors. Unless expressly permitted in writing in a licence agreement or referenced herein and other than printing a small proportion of content or displaying this on your screen or both, (strictly for your personal non-commercial use), no part of the website may be reproduced, stored in any medium, including but not limited to a retrieval system or transmitted, in any form or by any means (electronic, mechanical, photocopying, recording, broadcasting) nor, shown in public other than a Cognisess Profile or Personagraph, which you may download and store for your personal, non-commercial use. For the avoidance of doubt, all template documents and software you use to create any Profile or Personagraph on the Cognisess website are Cognisess's property, and you are granted a revocable, non-transferable licence for personal, non-commercial use.</p>
                       <p>You may not create any derivative work or make any other adaptation, without our prior written consent. You must not modify the copies you have displayed or printed in any way and you may not use any illustrations, photographs, videos or audio sequences or any graphics separately from any accompanying text. Any permitted use of our material is subject to ensuring that our copyright notices and trade marks appear as they do on all copies online and customary bibliographical citations including author attribution, date article title (where applicable) and the URL to the relevant Cognisess website are included. If you print off or download any material from our website(s) in breach of these terms of use, any rights to use our site(s) will cease immediately and you must at our option return or destroy any copies of the materials you have made. All rights not expressly granted in these terms or any express written licence, are reserved.</p>
                       <p>The trademarks and logos which are displayed on the websites are the trademarks of the Cognisess Limited and its licensors. Any use including framing, metatags or express written consent.</p>
                       <p>Any material you upload to our sites will be considered non-confidential and non-proprietary (unless otherwise stated on the site or within our privacy policy) and for such content you grant us a transferable, royalty free, worldwide, irrevocable licence to use, copy, distribute, edit, amend, disclose, sub licence to third parties and create derivative works in whole or party of any such material for any purpose, in any media.. We may remove, edit or amend any such material at any time without notice to you. To the extent moral rights attach to any material to the fullest extent permitted by law these are waived in our favour. All material posted must adhere to the requirements of "Your conduct" below.</p>
                       <p>We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to any of our sites constitutes a violation of their rights, including without limitation, their intellectual property rights, reputational rights or of their right to privacy.</p>
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                       <h2 class="refund_h2">Permission for use of our intellectual property</h2>
                       <p>Any request for permission of our content or ../../Content/images, or other use of our intellectual property not authorised under a subscription, should be made using the contact us form. </p>
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                       <h2 class="refund_h2">Subscriber fees and payments</h2>
                       <p>You agree to pay the subscription fees and any other charges incurred in connection with your user name and password for a Service (including any applicable taxes) at the rates in effect when the charges were incurred. If your subscription includes access to areas containing premium content or services, your access to such areas may be subject to additional fees, terms and conditions, which will be separately disclosed in such areas. We will bill all charges automatically to your credit card. Subscription fees will be billed at the beginning of your subscription or any renewal. Unless we state in writing otherwise, all fees and charges are nonrefundable. We may change the fees and charges then in effect, or add new fees or charges, by giving you notice in advance. If you want to use a different credit card or there is a change in credit card validity or expiration date, or if you believe someone has accessed a Service using your user name and password without your authorization, you must follow the procedures outlined in the Help section of the Service. You are responsible for any fees or charges incurred to access a Service through an Internet access provider or other third-party service </p>
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                       <h2 class="refund_h2">Renewal</h2>
                       <p>Your subscription will renew automatically, unless we terminate it or you notify us by telephone, mail, or e-mail (receipt of which must be confirmed by email reply from us) of your decision to terminate your subscription. For annual subscriptions, we will notify you of the pending renewal of your subscription at least 30 days prior to the date your subscription renews, except as otherwise required by law. You must cancel your subscription before it renews in order to avoid billing of subscription fees for the renewal term to your credit card.</p>
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                       <h2 class="refund_h2">Trial memberships and promotions</h2>
                       <p>From time to time, we may offer a free trial membership or other promotions. If you accept a free trial membership or a promotion, we will begin to bill your credit card at the conclusion of the free trial or according to the terms and conditions outlined in the promotion. If you do not wish to be charged, you should cancel your Account(s) prior to the end of the trial period or in accordance with the applicable promotion rules. </p>
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                       <h2 class="refund_h2">Other Subscribers and Users</h2>
                       <p>If your access to a Service is provided by, or through a Third Party, or if you have paid for access to the Service in connection with your subscription or purchased your subscription to the Service through a retailer rather than from us directly, some or all of the "Fees and Payments" and "Renewal" terms may not apply to you. Please contact the Third Party, retailer or our Customer Service department for details. If you access a Service as part of an "open house" free trial or otherwise without becoming a subscriber, you are hereby notified that all of the terms and conditions of this Subscriber Agreement except the section labeled "Fees and Payments" and "Renewal" apply to your use and access of the Service.</p>
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                       <h2 class="refund_h2">Links</h2>
                       <p>Our websites contain links including hyperlinks which may take you outside Cognisess websites. Links are provided for your convenience, and an inclusion of any link does not imply endorsement or approval by us of the linked website, its operator or content. We have no control over the contents or functionality of those sites and accept no responsibility for any loss or damages that may arise from your use of them. We are not responsible for any website outside the Cognisess websites, and such websites use will be subject to relevant terms and conditions and privacy policies. </p>
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                       <h2 class="refund_h2">Browsers</h2>
                       <p>Please note: If you are using one of the popular "offline browsers" that allow you to download content from a site and read it later, please be aware that subject to ensuring that this amounts to only a small proportion of content, strictly for your personal non-commercial use, or where this amounts to "fair dealing" we impose one restriction on their use.</p>
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                       <h2 class="refund_h2">Disclaimers and limitations of liability</h2>
                       <p>Disclaimers</p>
                       <p>a) General disclaimers</p>
                       <p>Description or reference to a product or publication does not imply endorsement of that product or publication, unless it is owned by the Cognisess and in which case it is subject to the disclaimers limitations of liability herein and within any licence or other agreement with you the latter of which shall prevail in the event of a conflict. To the fullest extent permitted by law, the material and information displayed on our websites is provided "as is" without any guarantees, conditions or warranties as to accuracy.</p>
                       <p>We try and ensure our websites are available for use 24 hours per day, 7 days per week other than for a small period for scheduled down time, however we do not warrant that at other time our websites will be available. To the fullest extent permitted by law, we will be not be liable to you for damages or refunds should our sites become unavailable or access to a site becomes slow or incomplete due to system back-up procedures, internet traffic volume, upgrades, overload of requests to the servers, general network failures or delays, or any other cause which may from time to time make the any of our websites inaccessible to you.</p>
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                       <h2 class="refund_h2">Links</h2>
                       <p>TO THE FULLEST EXTENT PERMITTED BY LAW, COGNISESS EXPRESSLY EXCLUDES:</p>
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                           <li><span> ALL CONDITIONS, WARRANTIES AND OTHER TERMS WHICH MIGHT OTHERWISE BE IMPLED BY STATUTE, COMMON LAW OR THE LAW OF 
EQUITY;</span>
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                           <li><span>ANY LIABILITY CAUSED BY A FORCE MAJEURE EVENT;</span>
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                           <li><span>ANY OBLIGATION OF EFFECTIVENESS OR ACCURACY; AND</span>
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                           <li><span>OTHER THAN AS SET OUT BELOW, ANY LIABILITY FOR ANY DIRECT, INDIRECT OR CONSEQUENTIAL LOSS OR DAMAGE INCURRED BY YOU IN CONNECTION WITH THIS AGREEMENT, INCLUDING BY YOUR USE OR INABILITY TO USE ANY INFORMATION ON OUR WEBSITE OR WITHIN ANY 
PUBLICATION SUBSCRIBED TO, VIA ANY WEBSITES LINKED TO OUR WEBSITE(S) AND ANY MATERIAL POSTED ON IT, INCLUDING WITHOUT 
LIMITATION ANY LIABILITY FOR LOSS OF INCOME OR REVENUE, LOSS OF BUSINESS, LOSS OF PROFITS OR CONTRACTS ANTICIPATED 
SAVINGS, LOSS OF DATA, LOSS OF GOODWILL, WASTED TIME AND FOR ANY OTHER LOSS OR DAMAGE OF ANY KIND, HOWSEOEVER AND 
WHETHER CAUSED BY TORT INCLUDING NEGLIGENCE, BY BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORSEEABLE.<br/>NOTHING IN THIS PROVISION AFFECTS OUR LIABILITY FOR DEATH OR PERSONAL INJURY ARISING FROM OUR NEGLIGENCE NOR FOR LIABILITY FOR FRAUDULENT MISREPRESENTATION OR MISREPRESENTATION AS TO A FUNDAMENTAL MATTER NOR ANY OTHER LIABILITY WHICH CANNOT BE EXLUDED OR LIMITED UNDER THE APPLIACABLE LAW. THESE PROVISIONS DO NOT AFFECT ANY APPLICABLESTATUTORY RIGHTS.</span>
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                       <h2 class="refund_h2">Your conduct</h2>
                       <p>You must not use the website in any way that causes or is likely to cause the website or access to it to be interrupted, damaged or impaired in any way. You understand that you are solely responsible for all electronic communications and contents sent from your computer to us. You must use the website for lawful purposes only. You must not use the website for any of the following:</p>
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                           <li><span>For fraudulent purposes or in connection with a criminal offence or otherwise carry out any unlawful activity</span>
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                           <li><span>To send, use or re-use any material that is illegal, offensive, abusive, indecent, harmful, defamatory, obscene or menacing racist, abusive, threatening, defamatory, invasive of privacy, in breach of confidence, infringes any intellectual property rights,; or is otherwise injurious to third parties; or objectionable; or which consists of or contains software viruses, trojan horses, worms, time bombs, keystroke loggers, spyware, adware or any other harmful or similar computer code designed to adversely affect the operation of any computer software or hardware, political campaigning, commercial solicitation, chain letters, mass mailings or any spam</span>
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                           <li><span>To cause annoyance, inconvenience or needless anxiety</span>
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                           <li><span>To impersonate any third party or otherwise mislead as to the origin of your content</span>
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                           <li><span>To reproduce, duplicate, copy or resell any part of our site in contravention with these terms of use or any other agreement with the Cognisess.</span>
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                           <li><span>Governing law These Terms and Conditions shall be governed and construed in accordance with the laws of England and Wales, whose courts shall have exclusive jurisdiction, although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or other relevant country.</span>
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